Rebecca Davis

Ezekiel Nii Noye Nortey, Jones Asante-Koranteng, Marcellin Atemkeng et al.

Accurate prediction of loan defaults is a central challenge in credit risk management, particularly in modern financial datasets characterised by nonlinear relationships, class imbalance, and evolving borrower behaviour. Traditional statistical models and static ensemble methods often struggle to maintain reliable performance under such conditions. This study proposes an Optimised Greedy-Weighted Ensemble framework for loan default prediction that dynamically allocates model weights based on empirical predictive performance. The framework integrates multiple machine learning classifiers, with their hyperparameters first optimised using Particle Swarm Optimisation. Model predictions are then combined via a regularised greedy weighting mechanism. At the same time, a neural-network-based meta-learner is employed within stacked-ensemble to capture higher-order relationships among model outputs. Experiments conducted on the Lending Club dataset demonstrate that the proposed framework improves predictive performance compared with individual classifiers. The BlendNet ensemble achieved the strongest results with an AUC of 0.80, a macro-average F1-score of 0.73, and a default recall of 0.81. Calibration analysis further shows that tree-based ensembles such as Extra Trees and Gradient Boosting provide the most reliable probability estimates, while the stacked ensemble offers superior ranking capability. Feature analysis using Recursive Feature Elimination identifies revolving utilisation, annual income, and debt-to-income ratio as the most influential predictors of loan default. These findings demonstrate that performance-driven ensemble weighting can improve both predictive accuracy and interpretability in credit risk modelling. The proposed framework provides a scalable data-driven approach to support institutional credit assessment, risk monitoring, and financial decision-making.

Hamdiya Adams, Theophilus Ansah-Narh, Daniel Kwadwo Asiedu et al.

This study presents an unsupervised machine learning workflow for electrofacies analysis in the offshore Keta Basin, Ghana, where core data are scarce. Six standard wireline logs from Well~C were analysed over a depth interval comprising approximately $11{,}195$ samples. K-means clustering was applied in multivariate log space, with the clustering structure evaluated using inertia and silhouette diagnostics. Four clusters were identified, supported by an average silhouette coefficient of approximately $0.50$, indicating moderate but meaningful separation. The resulting electrofacies exhibit systematic, depth-continuous patterns associated with variations in clay content, porosity, and rock framework properties, forming a geological continuum from shale-dominated to cleaner sandstone-dominated units. The results demonstrate that log-only, unsupervised clustering supported by quantitative metrics provides a robust and reproducible framework for subsurface characterisation. The proposed workflow offers a practical tool for early-stage formation evaluation in frontier offshore basins and a foundation for future integrated studies.

Isaac Tettey Adjokatse, Samuel Senyo Koranteng, George Yamoah Afrifa et al.

Soil contamination by heavy metals poses a persistent environmental and public health concern in rapidly urbanising regions of Ghana, particularly at unregulated waste disposal sites. This study applies an unsupervised machine learning framework to detect and characterise anomalous heavy metal contamination patterns in soils from twelve waste sites and residential controls in the Central Region, of Ghana. Concentrations of eight metals (As, Cd, Cr, Cu, Hg, Ni, Pb, Zn) were analysed alongside standard health risk indices, including the Hazard Index (HI) and Incremental Lifetime Cancer Risk (ILCR). Isolation Forest and PCA reconstruction error each identified $12$ anomalous samples ($15.4\%$ of $78$ samples), while DBSCAN detected no density-isolated noise points. A consensus approach isolated six robust anomalies ($7.7\%)$, all spatially concentrated at a single site (S3). Anomalies exhibited approximately $70$--$80\%$ higher mean HI values than normal samples, with all consensus anomalies exceeding the HI$=1$ threshold. PCA reconstruction error showed a strong positive association with HI ($r \approx 0.8$), indicating consistency between multivariate deviation and health risk. Three distinct anomaly types were identified: extreme Cu enrichment at S3, anomalously low Ni at S4/S5, and moderate multi-metal (Pb--Zn) co-elevation at S9--S12. The results demonstrate that unsupervised machine learning provides granular, objective insight beyond aggregate indices, enabling targeted site prioritisation and risk-informed environmental management.